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About the company
Aavas Financiers Limited is an India-based retail, affordable housing finance company, primarily serving low- and middle-income self-employed customers in semi-urban and rural areas. The Company's product offering consists of home loans for the purchase or construction of residential properties, and for the extension and repair of existing housing units, loan against property and micro, small and medium enterprises loan (MSME) loans. Its Website has a portal for online application of loans which offers services like branch locator, home loan equated monthly instalment calculator, details on specific products like construction loans, MSME loans and others. Customers also have the option to apply for loans through Aavas Loan Mobile App. It operates in over 13 states with a total of 371 branches. It operates in various states including Rajasthan, Maharashtra, Gujarat, Madhya Pradesh, Haryana, Uttar Pradesh, Chhattisgarh, Uttarakhand, Punjab, Himachal Pradesh, Delhi, Odisha and Karnataka.
- Revenue in INR (TTM)19.87bn
- Net income in INR5.33bn
- Incorporated2011
- Employees6.08k
- LocationAavas Financiers Ltd201-202 Southend SquareMansarover Industrial AreaJAIPUR 302020IndiaIND
- Phone+91 1 416618888
- Fax+91 1 416618861
- Websitehttps://www.aavas.in/
Peer analysis
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tamilnad Mercantile Bank Ltd | 51.01bn | 11.28bn | 70.46bn | 4.60k | 6.25 | 0.8358 | -- | 2.31 | 71.22 | 71.22 | 192.60 | 532.38 | -- | -- | -- | -- | 1.84 | 1.56 | -- | -- | -- | -- | 36.98 | 32.29 | -- | -- | -- | 8.05 | 18.79 | 8.50 | 4.16 | 32.90 | 24.20 | -- |
| Karnataka Bank Limited | 88.25bn | 13.42bn | 75.51bn | 8.91k | 5.40 | 0.6541 | 20.12 | 1.61 | 37.06 | 37.06 | 129.77 | 305.67 | -- | -- | -- | -- | 1.21 | 0.855 | -- | -- | -- | -- | 28.60 | 20.44 | -- | -- | -- | 13.94 | 14.93 | 7.04 | 10.76 | 22.32 | 10.08 | 11.57 |
| RBL Bank Ltd | 135.59bn | 11.92bn | 94.95bn | 12.20k | 8.08 | 0.6127 | -- | 0.967 | 19.34 | 19.34 | 159.37 | 255.00 | -- | -- | -- | -- | 0.8896 | 0.5841 | -- | -- | -- | -- | 12.14 | 8.67 | -- | -- | -- | 10.95 | 28.08 | 14.48 | 37.01 | 7.99 | -0.0189 | -11.09 |
| City Union Bank Ltd | 55.23bn | 10.58bn | 125.98bn | 7.19k | 12.01 | 1.42 | -- | 4.23 | 14.17 | 14.17 | 39.88 | 119.89 | -- | -- | -- | -- | 1.53 | 1.31 | -- | -- | -- | -- | 35.53 | 28.22 | -- | -- | -- | 7.82 | 11.80 | 6.95 | 8.35 | 8.27 | 13.47 | 14.87 |
| Aavas Financiers Ltd | 19.87bn | 5.33bn | 129.90bn | 6.08k | 24.38 | 3.21 | 22.85 | 6.54 | 67.32 | 67.32 | 250.76 | 511.54 | 0.1245 | -- | 218.44 | 3,270,255.00 | 3.34 | 3.48 | 3.35 | 3.91 | 99.68 | 99.49 | 26.85 | 28.70 | -- | 1.96 | 0.7551 | 0.00 | 26.18 | 23.81 | 14.21 | 22.76 | 18.06 | -- |
| Indian Energy Exchange Ltd | 5.00bn | 3.93bn | 143.46bn | 170.00 | 36.55 | 13.74 | 34.63 | 28.72 | 4.41 | 4.41 | 5.61 | 11.75 | 0.2986 | -- | 38.30 | 29,385,010.00 | 23.50 | 22.29 | 38.98 | 40.78 | -- | -- | 78.72 | 72.55 | -- | -- | 0.0078 | 40.94 | 12.05 | 12.07 | 14.68 | 16.28 | 33.58 | -- |
| IFCI Ltd | 18.73bn | 1.26bn | 154.78bn | 135.00 | 117.33 | 2.64 | 41.01 | 8.26 | 0.5047 | 0.5047 | 7.26 | 22.43 | 0.1019 | -- | 7.87 | 138,770,400.00 | 1.60 | -3.86 | 2.08 | -4.88 | 65.56 | 46.68 | 15.67 | -37.88 | -- | -- | 0.3283 | -- | 33.76 | -6.78 | 149.88 | -- | 0.041 | -- |
| Aptus Value Housing Finance India Ltd | 15.42bn | 6.75bn | 158.62bn | 2.88k | 23.52 | 3.95 | 23.14 | 10.28 | 13.49 | 13.49 | 30.82 | 80.37 | 0.1699 | -- | -- | 5,349,607.00 | 7.44 | 7.33 | 7.44 | 10.27 | -- | -- | 43.79 | 44.48 | -- | 2.89 | 0.6069 | -- | 24.86 | 33.34 | 21.65 | 40.57 | 12.39 | -- |
| Karur Vysya Bank Ltd | 89.92bn | 18.00bn | 172.75bn | 8.89k | 9.59 | 1.58 | -- | 2.91 | 22.38 | 22.38 | 73.70 | 135.44 | -- | -- | -- | -- | 1.71 | 0.9932 | -- | -- | -- | -- | 30.36 | 19.66 | -- | -- | -- | 13.11 | 25.89 | 7.12 | 45.09 | 50.07 | -8.86 | 31.95 |
| Holder | Shares | % Held |
|---|---|---|
| SBI Funds Management Ltd.as of 30 Jun 2024 | 6.75m | 8.53% |
| First Sentier Investors (Australia) IM Ltd.as of 30 Jun 2024 | 3.35m | 4.23% |
| Nippon Life India Asset Management Ltd. (Invt Mgmt)as of 31 Oct 2024 | 2.97m | 3.75% |
| UTI Asset Management Co. Ltd. (Investment Management)as of 31 Oct 2024 | 2.55m | 3.22% |
| Norges Bank Investment Managementas of 30 Jun 2024 | 2.05m | 2.60% |
| Capital Research & Management Co. (World Investors)as of 30 Sep 2024 | 1.96m | 2.48% |
| Abu Dhabi Investment Authority (Investment Management)as of 30 Jun 2024 | 1.96m | 2.47% |
| The Vanguard Group, Inc.as of 06 Nov 2024 | 1.81m | 2.28% |
| First Sentier Investors (Singapore)as of 30 Jun 2024 | 1.71m | 2.16% |
| BlackRock Asset Management North Asia Ltd.as of 14 Nov 2024 | 1.61m | 2.03% |
